Top 50 Questions: Tenant Insurance & Liability in Nunavut

Tenant Insurance & Liability Nunavut published: June 26, 2025 Flag of Nunavut
Is tenant insurance required by law in Nunavut?
No, Nunavut law does not require tenant insurance, but landlords may include it in the lease agreement.
Can my landlord force me to buy tenant insurance?
Landlords can require insurance as part of your lease, but not by law. Check your lease for terms.
What does tenant insurance cover?
It usually covers your belongings, liability for damages, and some living expenses if displaced.
Is my landlord responsible if my property is stolen or damaged?
Usually no, unless the landlord was negligent. Tenant insurance covers your personal items.
What if my lease says I need insurance?
You must comply with the lease. Not carrying required insurance could violate your agreement.
What is liability coverage in tenant insurance?
It covers you if you accidentally cause damage to the unit or injuries to others in your unit.
Are my roommate's belongings covered by my policy?
No, unless they are specifically named in your policy. Each roommate should get their own insurance.
Does tenant insurance cover flood or fire damage?
It often covers fire and some water damages, but check your policy for details and exclusions.
Can a landlord require proof of tenant insurance?
Yes, if your lease requires insurance, your landlord can ask for proof before move-in or renewal.
What happens if I don’t have insurance when the lease requires it?
You could be breaking your lease, which may result in warnings or possible eviction.
What does "contents coverage" mean in tenant insurance?
It means the policy pays for damage or loss to your belongings, like clothes, furniture, or electronics.
Is tenant insurance expensive?
Costs vary, but basic plans in Nunavut typically start at a few dollars per month.
Do I need insurance for a room in a shared house?
Yes, you still need your own policy for your room and liability, unless your roommates are all named.
Does tenant insurance cover my guests indoors?
Yes, liability coverage extends to guests if they get injured in your unit.
Will tenant insurance cover my belongings in my car?
Sometimes, but usually only if stolen from the car; check your policy for specifics.
What if a visitor gets hurt in my rental?
Your tenant insurance liability coverage may help pay if you are found responsible for the injury.
Can my landlord ask for my insurance policy number?
Yes, if your lease requires coverage, you may need to give proof, including the policy number.
Does tenant insurance cover damages I cause by mistake?
Yes, liability coverage helps if you accidentally damage the property or someone else’s things.
If my landlord damages my stuff, am I covered?
Only if it’s an insured event under your policy; otherwise, you may need to seek damages from your landlord.
Does my landlord’s insurance protect my things?
No, their insurance only covers their property, not your personal belongings.
If I move, is my insurance still valid?
Usually, you need to update your address with your insurer for continued coverage.
Can I transfer a tenant insurance policy to a new apartment?
Yes, contact your insurance company to update your policy details.
What if my landlord increases the insurance requirement mid-lease?
Changes to insurance requirements usually must wait until lease renewal, unless you agree otherwise.
Does tenant insurance cover loss from building repairs or renovations?
Not typically, unless your belongings are damaged by a covered event during repairs.
How do I make a claim on my tenant insurance?
Contact your insurer, provide details and documents, and follow their claims process.
If a fire makes my unit unlivable, does my insurance cover hotel costs?
Many policies cover additional living expenses, so hotel stays may be included; confirm with your provider.
What official forms relate to tenant insurance in Nunavut?
While there’s no specific territory form, you may need to provide proof for rental agreements; use written confirmation from your insurance provider.
Who do I contact for tenancy disputes about insurance in Nunavut?
Contact the Nunavut Residential Tenancies Office for help.
What legislation covers tenant insurance in Nunavut?
The Residential Tenancies Act, RSNWT (Nu) 1988, c R-5 is Nunavut’s law for rental agreements.
Do I have to name my landlord on my tenant insurance policy?
Some landlords request to be added as "interested party" so they get notified if it’s cancelled; check your lease.
What if someone else moves in—does my insurance still cover me?
Only you and those named in the policy are covered. Add new roommates or have them get their own policy.
What if my pet causes damage?
Most tenant insurance covers accidental pet damage for liability, but not damage to your own stuff.
Is home business equipment covered by tenant insurance?
Not always. You may need separate business insurance. Check with your insurer.
Can my landlord evict me for not having insurance if it’s in the lease?
Yes, breaching the lease by not having insurance may lead to eviction through the Nunavut Residential Tenancies Office process.
Will my premiums go up if I make a claim?
Often yes, making claims can increase your insurance premiums in the future.
What if my insurance company cancels my policy?
You must get a new policy. Notify your landlord if your lease requires active insurance.
Is mold damage covered by tenant insurance?
Mold is rarely covered, unless caused by a sudden, insured event; check your policy.
Am I covered if a neighbour causes damage to my things?
Usually yes, but you’ll need to claim on your policy first; your insurer may pursue your neighbour.
Does insurance cover damage from power outages or freezing pipes?
Sometimes, but not always. Read your policy or consult your insurer for Nunavut-specific coverage.
Can I choose my own insurance company?
Yes, you can select any licensed provider that meets your lease requirements.
Does insurance cover lost keys or lock costs?
Not usually, but some policies offer lock replacement coverage as an add-on.
If I temporarily leave Nunavut, am I still covered?
Most policies have time limits for vacant units (e.g., 30 days); confirm with your insurer.
Can I use a family member’s insurance policy?
No, the policy must be in the name of someone living in the rental unit.
Are students in residences covered automatically?
Not always; students often need their own policy or parental coverage. Check with the residence.
Do I need insurance for government subsidized housing?
Not by law, but some housing providers may require proof of insurance as a condition for tenancy.
What does a deductible mean in tenant insurance?
It’s the amount you must pay out-of-pocket before your insurer covers the rest of a claim.
Do I need insurance for short-term (month-to-month) rentals?
Yes, if required by your rental agreement, or if you want to protect yourself and your belongings.
Is insurance needed for commercial tenancies (business)?
This article is about residential tenancies only. Contact a commercial insurance agent for business policies.
How do I contact the Nunavut Residential Tenancies Office?
Email Rentals@gov.nu.ca or visit the Nunavut Residential Tenancies Office website for details.

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Bob Jones
Bob Jones

Editor & Researcher, Tenant Rights Canada

Bob writes and reviews tenant law content for various regions. They’re passionate about housing justice and simplifying legal protections for renters everywhere.

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